that gets me more charged up what they did with taxes and incremental other stuff they've added in. and closed the banks down and we did that in the depression, by the way. they've added a whole bunch of other-- we're already paying, if you don't think we're at the point in the united states where we'll have withholding on capital gains, proposed. it's hittings rightnow. >> brenda: john, what do you think? >> i disagree with kicking the can, but i agree with gary and toby we're fine right now and your money is safe in american banks for now. you can't keep interest rates low for a long time. look what the pain has done, a not of internal savings has something to do with that and we can keep passing the buck on our debt further down the road. eventually we'll have to come to grips with that, but it's going to be a long ways out. >> brenda: really that long, jonas? >> i wouldn't say we're up-- first of all, you probably have some of your money in foreign funds and 401(k)'s, and this is dragging on emerging markets, the russian markets, it's exposed and down a lot relatively thinking.